Financial knowledge and financial behaviour: The moderating role of home ownership

•Home ownership acts as a moderating factor in the relationship between financial knowledge and financial behaviour of adult citizens.•Home ownership explains the financial behaviour of homeowners.•Financial knowledge has greater potential to improve the financial behaviour of renters. The relationship between financial knowledge and financial behaviour has been widely studied in previous literature. Numerous works conducted in different contexts have found a positive relationship between them. The objective of this paper is to test the effect of homeownership on this relationship. To this aim, we perform extended ordered probit regressions. We use data from the Survey of Financial Competences conducted by the supervisor of the Spanish securities markets and the Spanish central bank. The results show evidence that supports the hypothesis that home ownership has a moderating effect on the relationship between financial knowledge and financial behaviour.